Licensed Independent Broker · Serving Ohio
Stop Overpaying for Health Insurance. Get the Right Plan.
Philip Smith compares 22+ carriers to find your best fit — health, Medicare, or life. One free call, no cost.
Independent · 22+ carriers$0 cost to youClients save $287/mo on average
Average reflects clients who switched plans; individual savings vary. Philip is paid by the carriers — never by you.
Available today
Philip Smith
Licensed Insurance Agent
NPN #22255420 · FL Lic. #G349232
Available today
22+
Carriers Compared
$0
Cost to You
AL·AZ·FL·GA·OH
Licensed States
5 Days
PPO Starts
Plans from carriers including
UnitedHealthcareAetnaHumanaFlorida BlueCignaMolina HealthcareWellcareAmbetterOscar HealthDevoted HealthSimply HealthcareAvMedUnitedHealthcareAetnaHumanaFlorida BlueCignaMolina HealthcareWellcareAmbetterOscar HealthDevoted HealthSimply HealthcareAvMed
What are you looking for?
Choose Your Coverage Type
★ Most Popular
Private PPO HealthMost popular
Year-round. Any doctor.
Available year-round — no open enrollment required. See any doctor, no referrals needed.
- Starts in 5 business days
- No network restrictions
See PPO Plans →
ACA Marketplace
May qualify for subsidies.
Government marketplace plans — you may qualify for subsidies that significantly reduce your premium.
- Check subsidy eligibility free
- Pre-existing conditions covered
Check ACA Subsidy →
Medicare Plans
Advantage & Supplement.
Turning 65 or already on Medicare? Compare Advantage and Supplement plans with a licensed agent.
- Advantage & Supplement options
- Avoid late enrollment penalties
Compare Medicare Plans →
Life Insurance
Term, whole, final expense.
Term, whole life, and final expense coverage to protect your family — from a carrier you can trust.
- Term, whole & final expense
- Instant quote comparison
Get Life Quote →
Not sure which fits you?
How the Plans Compare
The key differences at a glance.
Feature
Private PPO
Best for most clients
ACA Marketplace
Medicare Plans
Enroll any time of year
Yes — any time
Open enrollment only
Age 65+ only
See any doctor
In-network only
Plan dependent
No referrals needed
Plan dependent
Coverage starts fast
5 business days
Next 1st of month
Enrollment period
Income subsidy available
Best for
Self-employed, 1099, healthy adults
Income qualifies for subsidy
Age 65+ or disability
Not sure which fits you? Philip tells you in 5 minutes — free.
Book Free CallPrivate PPO
Best for most — year-round enrollment, any doctor, 5-day start
Enroll any time of yearYes — any time
See any doctor
No referrals needed
Coverage starts fast5 business days
Income subsidy available
Best forSelf-employed, 1099, healthy adults
ACA Marketplace
Best if income qualifies for subsidies
Enroll any time of yearOpen enrollment only
See any doctorIn-network only
No referrals needed
Coverage starts fastNext 1st of month
Income subsidy available
Best forIncome qualifies for subsidy
Medicare Plans
For those 65+ or with qualifying disability
Enroll any time of yearAge 65+ only
See any doctorPlan dependent
No referrals neededPlan dependent
Coverage starts fastEnrollment period
Income subsidy available
Best forAge 65+ or disability
Licensed in Alabama, Arizona, Florida, Georgia, and Ohio
How I Work With You
Three commitments you can hold me to on the first call.
You get one agent, start to finish
You reach Philip directly — not a call center, not a lead network. The person who quotes you services your policy.
The recommendation comes before the commission
If the ACA Marketplace beats what I can sell you, I'll say so — even though it pays me less. You should hear the real answer, not the profitable one.
Your information is never sold
Never shared with other agents, never resold. I reach out once, when you choose. If you pass, that’s the end of it.
The average client result
$287/mo
saved per month after switching plans
“I was paying $480/month. Philip found me a better PPO plan for $142.”
See What You Could SaveCommon Questions
Plain English answers — no insurance jargon.
A PPO lets you see any doctor without a referral, including out-of-network providers. An HMO requires you to choose a primary care physician and get referrals for specialists but typically has lower premiums. Most clients choose PPO for the flexibility.
Most people become eligible at age 65. Your Initial Enrollment Period starts 3 months before your 65th birthday month and ends 3 months after. Missing this window may result in late enrollment penalties — Philip helps you navigate this at no cost.
ACA subsidies (premium tax credits) reduce your monthly cost based on household income. You may qualify if your income is between 100–400% of the federal poverty level. Philip checks your eligibility on your free consultation call.
Completely free. Philip is compensated by the insurance carriers when you enroll — you never pay him directly. If you don't enroll, there's still no charge.
Yes — private PPO plans are available year-round specifically for people in this situation. No open enrollment window required. Coverage can start in as little as 5 business days.
Have another question? Book a free call
Simple process
How It Works
Most clients go from first call to enrolled plan in under 24 hours.
01
You answer 7 quick questions
Age, zip, budget, and what you need covered. Under 3 minutes.
02
You watch live quotes side by side
Philip shares his screen and pulls real-time rates. No estimates, no surprises.
03
You choose — zero pressure
Philip tells you exactly what he'd pick. You decide. PPO plans start in 5 business days.
Ready to stop overpaying?
One free call. Compare 22+ carriers, find your best plan.
Free · No pressure · NPN #22255420 · FL Lic. #G349232 · Licensed insurance agent